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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,168 | $80,983-82.5% | $96,544-85.3% | $75,177-81.2% |
| Participation rate | 56.3% | 71.8%-15.5pp | 76.0%-19.7pp | 67.2%-11.0pp |
| Annual return | 16.87% | 27.05%-10.2pp | 25.88%-9.0pp | 160.75%-143.9pp |
| Employer contribution / active EE | $972 | $2,282-57.4% | $2,966-67.2% | $2,671-63.6% |
| Participant deferral / active EE | $1,373 | $3,929-65.0% | $4,851-71.7% | $4,126-66.7% |
| Admin fee / account holder | $1,460 | $6,717-78.3% | $8,254-82.3% | $5,651-74.2% |